Hi NerWallet people,
I am so glad that I have a chance to write you and get some help. I will be short, and not want to take your time a lot.
I have Citibank credit card, and I have late fee 30day reported to equifax this year in February. I did my research, and tried the goodwill letter and sent them explanation why it happened via certified mail. After a month, I received the dispute letters and emails from equifax.
I quickly realized, that that Citibank doing something in my favor. I was so happy, because after that my credit report was cleared and my fico went up to 60 and reach the 800ish. But after a month, transunion lowered my score, and reported that late fee in their records. I called back and forwards, no one took care of that. I opened dispute with them many times, asking that Citibank already cleared from my equifax, why they keep that? they told me many times, that my creditor citibank sent that, so I need to ask them to clear that. I called many times to Citibank, they said, “we are not reporting Transunion, we work only with Equifax”. So, i really confused, 10 days ago, I pulled my credit report from 3 agencies, printed out, and sent to Transuion, to show that no Equifax, no Experian has that late, my record is clear, only they carry that late. But they still didn’t resolve this issue, i got the mail from Citibank, that my account is correct… you know the standard mail. So, I want to ask you to help me what to do??? what steps should I do to solve this issue? please help…
thank you in advance,